Three years ago I wrote a rather lengthy article titled Will bankruptcy ruin my credit? I re-read it this morning, made a few minor changes, but found that not much has changed since then about that question. What prompted me to write this new (much shorter) article?

It's the fact that I still hear that question with great regularity. Not much has changed about that either. What can I say about it other than simply give you a link to that prior article (which I will do)? I can lay out a summary of that long article and add an important point. Here goes...